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text-justify-trim:punctuation'>

<div class=WordSection1 style='layout-grid:15.6pt'>

<h1 align=center style='margin-top:38.3pt;margin-right:0cm;margin-bottom:11.3pt;
margin-left:0cm;text-align:center;mso-pagination:widow-orphan'><span
style='font-size:16.5pt;color:black'>无抵押大额贷款如何申请<span lang=EN-US><o:p></o:p></span></span></h1>

<p class=MsoNormal><span lang=EN-US><o:p>&nbsp;</o:p></span></p>

<p style='margin-top:18.8pt;margin-right:0cm;margin-bottom:11.3pt;margin-left:
0cm;line-height:16.5pt;mso-pagination:widow-orphan'><span lang=EN-US
style='font-size:10.5pt;font-family:"微软雅黑","sans-serif";mso-bidi-font-family:
微软雅黑'>&nbsp;</span><span style='font-size:10.5pt;font-family:"微软雅黑","sans-serif";
mso-bidi-font-family:微软雅黑'>与抵押贷款相比，无抵押贷款额度相对较小，其主要原因是，无抵押贷款不需要借款人提供任何抵（质）<span class=GramE>押物作</span>担保，从而提高了贷款机构的信贷风险，为了控制这一风险保障顺利收回贷款，他们不得不这样做。但是，这并不意味着无法申请无抵押大额贷款，如果申请人资质够好的话，申请无抵押大额贷款也是没有问题的。那么，无抵押大额贷款如何申请？</span><span
lang=EN-US style='font-size:10.5pt'><o:p></o:p></span></p>

<p style='margin-top:18.8pt;margin-right:0cm;margin-bottom:11.3pt;margin-left:
0cm;line-height:16.5pt;mso-pagination:widow-orphan'><span lang=EN-US
style='font-size:10.5pt;font-family:"微软雅黑","sans-serif";mso-bidi-font-family:
微软雅黑'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</span><span
style='font-size:10.5pt;font-family:"微软雅黑","sans-serif";mso-bidi-font-family:
微软雅黑'>无抵押大额贷款申请要件：</span><span lang=EN-US style='font-size:10.5pt'><o:p></o:p></span></p>

<p style='margin-top:18.8pt;margin-right:0cm;margin-bottom:11.3pt;margin-left:
0cm;line-height:16.5pt;mso-pagination:widow-orphan'><span lang=EN-US
style='font-size:10.5pt;font-family:"微软雅黑","sans-serif";mso-bidi-font-family:
微软雅黑'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<strong>&nbsp;</strong></span><strong><span
style='font-size:10.5pt;font-family:"微软雅黑","sans-serif";mso-bidi-font-family:
微软雅黑'>一、良好的个人信用</span></strong><span lang=EN-US style='font-size:10.5pt'><o:p></o:p></span></p>

<p style='margin-top:18.8pt;margin-right:0cm;margin-bottom:11.3pt;margin-left:
0cm;line-height:16.5pt;mso-pagination:widow-orphan'><span lang=EN-US
style='font-size:10.5pt;font-family:"微软雅黑","sans-serif";mso-bidi-font-family:
微软雅黑'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</span><span
style='font-size:10.5pt;font-family:"微软雅黑","sans-serif";mso-bidi-font-family:
微软雅黑'>无抵押贷款本质上是一种信用贷款，除了对个人资质要求高之外，良好的信用记录更是银行考察的重点。如果借款人出现了逾期的情况，就很有可能被银行拒贷。</span><span
lang=EN-US style='font-size:10.5pt'><o:p></o:p></span></p>

<p style='margin-top:18.8pt;margin-right:0cm;margin-bottom:11.3pt;margin-left:
0cm;line-height:16.5pt;mso-pagination:widow-orphan'><span lang=EN-US
style='font-size:10.5pt;font-family:"微软雅黑","sans-serif";mso-bidi-font-family:
微软雅黑'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</span><span
style='font-size:10.5pt;font-family:"微软雅黑","sans-serif";mso-bidi-font-family:
微软雅黑'>另外，在生活中的其他消费，如电费、电话费、<span class=GramE>房贷月供</span>也需要做到按时足额缴纳，一旦出现逾期情况，则很有可能导致办理额度低或办理不了贷款。</span><span
lang=EN-US style='font-size:10.5pt'><o:p></o:p></span></p>

<p style='margin-top:18.8pt;margin-right:0cm;margin-bottom:11.3pt;margin-left:
0cm;line-height:16.5pt;mso-pagination:widow-orphan'><span lang=EN-US
style='font-size:10.5pt;font-family:"微软雅黑","sans-serif";mso-bidi-font-family:
微软雅黑'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<strong>&nbsp;</strong></span><strong><span
style='font-size:10.5pt;font-family:"微软雅黑","sans-serif";mso-bidi-font-family:
微软雅黑'>二、较好的自身资质</span></strong><span lang=EN-US style='font-size:10.5pt'><o:p></o:p></span></p>

<p style='margin-top:18.8pt;margin-right:0cm;margin-bottom:11.3pt;margin-left:
0cm;line-height:16.5pt;mso-pagination:widow-orphan'><span lang=EN-US
style='font-size:10.5pt;font-family:"微软雅黑","sans-serif";mso-bidi-font-family:
微软雅黑'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</span><span
style='font-size:10.5pt;font-family:"微软雅黑","sans-serif";mso-bidi-font-family:
微软雅黑'>无抵押贷款对借款人的个人资质要求很高，最低条件是每月打卡工资在<span lang=EN-US>4000</span>元以上，就算手中有流动资金，如果不能提供固定的银行流水，也会遭到银行拒贷。</span><span
lang=EN-US style='font-size:10.5pt'><o:p></o:p></span></p>

<p style='margin-top:18.8pt;margin-right:0cm;margin-bottom:11.3pt;margin-left:
0cm;line-height:16.5pt;mso-pagination:widow-orphan'><span lang=EN-US
style='font-size:10.5pt;font-family:"微软雅黑","sans-serif";mso-bidi-font-family:
微软雅黑'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</span><span
style='font-size:10.5pt;font-family:"微软雅黑","sans-serif";mso-bidi-font-family:
微软雅黑'>除了收入要稳定，优良的职业更是无抵押贷款的重要条件，如公务员、教师、<span lang=EN-US>500</span>强企业员工、公司高层管理等，这样工作的人群往往更能获得大额无抵押贷款。</span><span
lang=EN-US style='font-size:10.5pt'><o:p></o:p></span></p>

<p style='margin-top:18.8pt;margin-right:0cm;margin-bottom:11.3pt;margin-left:
0cm;line-height:16.5pt;mso-pagination:widow-orphan'><span lang=EN-US
style='font-size:10.5pt;font-family:"微软雅黑","sans-serif";mso-bidi-font-family:
微软雅黑'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</span><strong><span
style='font-size:10.5pt;font-family:"微软雅黑","sans-serif";mso-bidi-font-family:
微软雅黑'>三、选对正确的银行</span></strong><span lang=EN-US style='font-size:10.5pt'><o:p></o:p></span></p>

<p style='margin-top:18.8pt;margin-right:0cm;margin-bottom:11.3pt;margin-left:
0cm;line-height:16.5pt;mso-pagination:widow-orphan'><span lang=EN-US
style='font-size:10.5pt;font-family:"微软雅黑","sans-serif";mso-bidi-font-family:
微软雅黑'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</span><span
style='font-size:10.5pt;font-family:"微软雅黑","sans-serif";mso-bidi-font-family:
微软雅黑'>借款人在办理无抵押贷款的时候，由于每家银行的情况和标准不同，所以对借款人的要求不同，考察的侧重点也不同。一般来说，外资银行和中资银行在贷款的审核上可能存在差异，中资银行审核较为严格，而外资银行一般就相对宽松些。</span><span
lang=EN-US style='font-size:10.5pt'><o:p></o:p></span></p>

<p style='margin-top:18.8pt;margin-right:0cm;margin-bottom:11.3pt;margin-left:
0cm;line-height:16.5pt;mso-pagination:widow-orphan'><span lang=EN-US
style='font-size:10.5pt;font-family:"微软雅黑","sans-serif";mso-bidi-font-family:
微软雅黑'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</span><span
style='font-size:10.5pt;font-family:"微软雅黑","sans-serif";mso-bidi-font-family:
微软雅黑'>但是在办理费用上，可能外资银行的收费会比较高一些。在办理无抵押贷款时要根据个人自身情况选择贷款银行，这样可以达到事半功倍的效果。</span><span
lang=EN-US style='font-size:10.5pt'><o:p></o:p></span></p>

<p style='margin-top:18.8pt;margin-right:0cm;margin-bottom:11.3pt;margin-left:
0cm;line-height:16.5pt;mso-pagination:widow-orphan'><span lang=EN-US
style='font-size:10.5pt;font-family:"微软雅黑","sans-serif";mso-bidi-font-family:
微软雅黑'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</span><strong><span
style='font-size:10.5pt;font-family:"微软雅黑","sans-serif";mso-bidi-font-family:
微软雅黑'>四、提供财力证明</span></strong><span lang=EN-US style='font-size:10.5pt'><o:p></o:p></span></p>

<p style='margin-top:18.8pt;margin-right:0cm;margin-bottom:11.3pt;margin-left:
0cm;line-height:16.5pt;mso-pagination:widow-orphan'><span lang=EN-US
style='font-size:10.5pt;font-family:"微软雅黑","sans-serif";mso-bidi-font-family:
微软雅黑'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</span><span
style='font-size:10.5pt;font-family:"微软雅黑","sans-serif";mso-bidi-font-family:
微软雅黑'>如果你名下有房产、汽车，就不要吝啬这些财力证明了<span lang=EN-US>!</span>据悉，申请无抵押贷款的借款人如果能提供本人名下的房产证、车辆行驶证等证明材料，不但能轻松拿到大额无抵押贷款，而且贷款利率也较低。</span><span
lang=EN-US style='font-size:10.5pt'><o:p></o:p></span></p>

<p style='margin-top:18.8pt;margin-right:0cm;margin-bottom:11.3pt;margin-left:
0cm;line-height:16.5pt;mso-pagination:widow-orphan'><span lang=EN-US
style='font-size:10.5pt;font-family:"微软雅黑","sans-serif";mso-bidi-font-family:
微软雅黑'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</span><span
style='font-size:10.5pt;font-family:"微软雅黑","sans-serif";mso-bidi-font-family:
微软雅黑'>无抵押大额贷款申请技巧：</span><span lang=EN-US style='font-size:10.5pt'><o:p></o:p></span></p>

<p style='margin-top:18.8pt;margin-right:0cm;margin-bottom:11.3pt;margin-left:
0cm;line-height:16.5pt;mso-pagination:widow-orphan'><span lang=EN-US
style='font-size:10.5pt;font-family:"微软雅黑","sans-serif";mso-bidi-font-family:
微软雅黑'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</span><span
style='font-size:10.5pt;font-family:"微软雅黑","sans-serif";mso-bidi-font-family:
微软雅黑'>技巧<span class=GramE>一</span>：擅于贷比三家</span><span lang=EN-US
style='font-size:10.5pt'><o:p></o:p></span></p>

<p style='margin-top:18.8pt;margin-right:0cm;margin-bottom:11.3pt;margin-left:
0cm;line-height:16.5pt;mso-pagination:widow-orphan'><span lang=EN-US
style='font-size:10.5pt;font-family:"微软雅黑","sans-serif";mso-bidi-font-family:
微软雅黑'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</span><span
style='font-size:10.5pt;font-family:"微软雅黑","sans-serif";mso-bidi-font-family:
微软雅黑'>从目前来看，<span class=GramE>各贷款</span>机构对借款人的要求并非一致，设定的最高额度也有差异，只要你耐心的多找几家机构对比，很有可能如愿以偿的拿到大额无抵押贷款。</span><span
lang=EN-US style='font-size:10.5pt'><o:p></o:p></span></p>

<p style='margin-top:18.8pt;margin-right:0cm;margin-bottom:11.3pt;margin-left:
0cm;line-height:16.5pt;mso-pagination:widow-orphan'><span lang=EN-US
style='font-size:10.5pt;font-family:"微软雅黑","sans-serif";mso-bidi-font-family:
微软雅黑'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</span><span
style='font-size:10.5pt;font-family:"微软雅黑","sans-serif";mso-bidi-font-family:
微软雅黑'>技巧二：<span class=GramE>找非银行</span>金融机构</span><span lang=EN-US
style='font-size:10.5pt'><o:p></o:p></span></p>

<p style='margin-top:18.8pt;margin-right:0cm;margin-bottom:11.3pt;margin-left:
0cm;line-height:16.5pt;mso-pagination:widow-orphan'><span lang=EN-US
style='font-size:10.5pt;font-family:"微软雅黑","sans-serif";mso-bidi-font-family:
微软雅黑'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</span><span
style='font-size:10.5pt;font-family:"微软雅黑","sans-serif";mso-bidi-font-family:
微软雅黑'>由于银行与央行征信系统连接，所以借款人只要和银行发生信贷关系，其记录都会在个人信用报告上体现，若有一次两次的逾期还款行为，便会影响下次贷款。</span><span
lang=EN-US style='font-size:10.5pt'><o:p></o:p></span></p>

<p style='margin-top:18.8pt;margin-right:0cm;margin-bottom:11.3pt;margin-left:
0cm;line-height:16.5pt;mso-pagination:widow-orphan'><span lang=EN-US
style='font-size:10.5pt;font-family:"微软雅黑","sans-serif";mso-bidi-font-family:
微软雅黑'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</span><span
style='font-size:10.5pt;font-family:"微软雅黑","sans-serif";mso-bidi-font-family:
微软雅黑'>但是，目前与央行征信系统相连的非银行金融机构却很少，有大额资金需求的借款人不妨利用这个机会，多找几家非银行金融机构办理无抵押贷款，从而解决大额资金需求难题，但是这样做会提高贷款成本。</span><span
lang=EN-US style='font-size:10.5pt'><o:p></o:p></span></p>

<p style='margin-top:18.8pt;margin-right:0cm;margin-bottom:11.3pt;margin-left:
0cm;line-height:16.5pt;mso-pagination:widow-orphan'><span lang=EN-US
style='font-size:10.5pt;font-family:"微软雅黑","sans-serif";mso-bidi-font-family:
微软雅黑'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</span><span
style='font-size:10.5pt;font-family:"微软雅黑","sans-serif";mso-bidi-font-family:
微软雅黑'>技巧三：亮出资产证明</span><span lang=EN-US style='font-size:10.5pt'><o:p></o:p></span></p>

<p style='margin-top:18.8pt;margin-right:0cm;margin-bottom:11.3pt;margin-left:
0cm;line-height:16.5pt;mso-pagination:widow-orphan'><span lang=EN-US
style='font-size:10.5pt;font-family:"微软雅黑","sans-serif";mso-bidi-font-family:
微软雅黑'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</span><span
style='font-size:10.5pt;font-family:"微软雅黑","sans-serif";mso-bidi-font-family:
微软雅黑'>有大额无抵押贷款需求的借款人，若名下有房产、汽车、有价证券等资产，那么就不要吝啬了，贷款时不妨大方的向贷款机构亮出相关证明，为自己的贷款申请加分。有些人会担心这样资产会<span
class=GramE>被贷款</span>机构抵押，事实上并不会，他们需要的只是一个保障，所以只会收取复印件，不会办理抵押登记手续。</span><span
lang=EN-US style='font-size:10.5pt'><o:p></o:p></span></p>

<p class=MsoNormal><b style='mso-bidi-font-weight:normal'><span lang=EN-US><o:p>&nbsp;</o:p></span></b></p>

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